WEB3 BANKING STACK

The Blockchain Built for DeFi

MELD is a non-custodial DeFi protocol for web3 finance, providing cross-chain lending, borrowing and staking on the MELD blockchain supporting the six leading blockchains as well as integrated fiat Banking*.

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MELD Ecosystem

MELD Blockchain

MELD is a Proof-of-Stake, high-speed, low-cost EVM blockchain designed for DeFi dApps. It integrates core DeFi mechanics providing direct access to lending, borrowing, cross-chain bridging, liquidity, and fiat services.

MELDapp

A next-gen multi-chain crypto wallet for a new age of modern money and digital assets. The MELDapp supports multiple blockchains, bridging and swapping between chains and a beautiful interface.

Build for all Chains

The MELD token will be available natively Cardano (where we started), Ethereum, Avalanche, Polygon, BSC and as the native token on the MELD Blockchain.

Decentralized and Trustless

As world-class DeFi protocol, MELD uses smart contracts to ensure complete transparency and fairness for all parties on all chains.

Borderless and Democratic

We live in a global economy and just like being cross chain, we are cross border. Economic and political changes can’t alter MELD’s smart contracts. Our DeFi protocol is safe from changing laws or unexpected events.

Banking Partnership*

We have a strategy partnership with MELD Finance (MELD.FI) to better bring together crypto and fiat systems for our users. With a secure, transparent and holistic view on our products. MELD handles DeFI while MELD.FI handles regulated fiat services.

MELD.FI a New Type of Banking*

We live in a global economy and just like being cross chain, we are cross border. Economic and political changes can’t alter MELD’s smart contracts. Our DeFi protocol is safe from changing laws or unexpected events.

01

MELDing Crypto + Traditional Currency

Bringing two worlds together under the principles of a trustless, secure and decentralized ecosystem. With a DeFi lending and borrowing protocol connected by a multi-chain wallet with to a Web3 Neobank*

02

Natively
Multi-chain

MELD lives on multiple blockchains bound together by the MELD blockchain to offer users access to a broad token ecosystem.

03

Get a Loan +
Keep Your Keys

Use your crypto holdings as collateral to secure low interest loans in fiat without losing your private keys. With MELD you can leverage your cryptocurrency to borrow the cash you need today, while still maintaining full control of your crypto portfolio for future value.

04

Modular +
Money

Composability is key to the MELD protocol and our goal of being a first class citizen in the DeFi ecosystem. Each of the core functions in the MELD protocol will be interoperable with other services such as AMMs, LPs, Insurance and all the rest of the financial tools available.

MELDapp

MELD Roadmap

2021

2022

Q2

  • MELD Launch
  • Initial Stake Pool Offering starts
  • Token Private Sale
  • Launch of Marketing Initiatives
  • Partner Program Launch

Q3

  • MELD Ambassador Program
  • mFiat
  • Liquidation system
  • Complete the first PoC for lending & borrowing
  • UTXO research on economics models and concurrency
  • Formalize MELD protocol

Q4

  • MELD protocol launch — MELD token officially launches
  • MELD Staking
  • ADAmatic Bridge 1.0
  • MELDapp v1.0
  • MELD Gold Stable Coin
  • $MELD on 2 centralized exchanges

2022

  • MELD Lending/Borrowing
  • MELD Vaults
  • MELD Chainlink Oracle
  • MELD Fiat Credit Line
  • Tingo/MELD Mobile App
Under Development
Completed
Planned

MELD Roadmap

2021

Q2

  • MELD Launch
  • Initial Stake Pool Offering Launch
  • Token Private Sale
  • Launch of Marketing Initiatives
  • Partner Program Launch

Q3

  • MELD Ambassador Program
  • Liquidation System
  • Complete the first PoC for lending & borrowing
  • UTXO research on economics models & concurrency
  • Formalize MELD protocol

Q4

  • MELD Protocol Audit
  • MELDapp Audit
  • Initial Stake Pool Offering Close

2022

Q1

  • MELD Token Launch
  • MELD ISPO Airdrop
  • MELD Vesting & Locked Staking
  • MELDapp 1.0
  • MELD on Exchanges (BiTrue, FMFW, Cardano DEXes like MuesliSwap, SundaeSwap, MinSwap, and more)
  • ADAmatic Bridge Testnet & Audit

Q2

  • Akamon white papers
  • Akamon Alpha Testnet
  • MELDapp 2.0 with Akamon integration

Q3

  • Akamon Beta Testnet

Q4

  • Bank Managers 3D Artwork
  • Cardano: Lending & Borrowing Protocol Smart Contracts
  • MELD Shop
  • MELD Finance Entity Established
  • Tier-1 Exchange Listing (MEXC)

2023

Q1

  • MELDapp Testnet Launch
  • Cardano: Lending & Borrowing Protocol Testnet Launch
  • MELD Network: Avalanche Subnet Testnet
  • MELD Finance Legal & Tech Stack
  • ADAmatic Bridge Testnet & Audit

Q2

  • MELD Network: Avalanche Subnet Mainnet Launch
  • MELD Cardano Token Migration
  • $MELD Token on Ethereum & Avalanche
  • MELD Multisig Cardano Wallet Technology Stack
  • Bank Managers Minting & Launch
  • MELDapp Beta Desktop Mainnet Launch
  • Protocol Audits (Token, Multisig, DAO)
  • MELD DAO Development

Q3

  • 60.000 Early Access Signups MELD.Fi
  • MELDapp Wallet Connect Integration
  • $MELD Staking Smart Contracts
  • MELDapp Bridging (Cardano, Ethereum, Avalanche, MELD)
  • MELD Finance: Core Banking Stack

Q4

  • MELDapp Mobile: Beta Launch
  • Conversion gMELD <> MELD in MELDapp
  • MELD Finance: New Fiat Partner Integration Begins
  • Staking $MELD in MELDapp
  • Staking ADA in MELDapp
  • MELD Borrowing & Lending Testnet

Conditional Milestones

  • mGLD Token + Airdrop*
Under Development
Completed
Planned
*
Subject to regulatory licenses and approval
Completed
2021

MELD Launch

Initial Stake Pool Offering Launch

Token Private Sale

Partner Program

MELD Ambassador Program

Liquidation System Developed for Lending & Borrowing

Complete the first PoC for Lending & Borrowing

MELD Protocol Audit

MELDapp Audit

Initial Stake Pool Offering Close

0 Milestones
2022

MELD Token Launch

MELD ISPO Airdrop

MELD Vesting & Locked Staking

MELDapp 1.0

MELD on Exchanges (BiTrue, FMFW, Cardano DEXes like MuesliSwap, SundaeSwap, MinSwap, and more)

MELDapp 2.0 with Akamon integration

Akamon Beta Testnet

MELD Shop

MELD Finance Entity Established

Tier-1 Exchange Listing (MEXC)

0 Milestones
2023

MELDapp Testnet Launch

Cardano: Lending & Borrowing Protocol Testnet

MELD Network: Avalanche Subnet Testnet

MELD Finance Legal & Tech Stack

MELD Network: Avalanche Subnet Mainnet

$MELD Cardano Token Migration

$MELD Token on Ethereum & Avalanche

MELD Multisig Cardano Wallet Technology Stack

Bank Managers Minting

MELDapp Beta Desktop Mainnet

Protocol Audits (Token, Multisig, DAO and Staking Smart Contracts)

MELD DAO Development

70,000 Early Access Signups MELD.Fi

MELDapp Wallet Connect Integration

$MELD Staking Smart Contracts

MELDapp Bridging (Cardano, Ethereum, Avalanche, MELD)

MELD Finance: Core Banking Stack

MELDapp Mobile: Beta

Conversion gMELD <> MELD in MELDapp

MELD Finance: Fiat Partner Integration

Staking $MELD in MELDapp

Staking $ADA in MELDapp

0 Milestones
2024

MELDchain Block Explorer

Integration with Oracles

MELD L1 Lending & Borrowing Testnet

First ISPO Project Launch on MELD Blockchain

0 Milestones
In Development
2024

MELD DevDocs

Secret MELD Product 1

MELDapp Mobile Cross-Chain Crypto Swap

MELDapp Mobile Available in App Store

Polygon Blockchain Support

BNB Blockchain Support

Bitcoin Blockchain Support

MELD DAO Governance

MELDapp Onramp / Offramp Integration

Tokenized Real-World Assets Yield Offered in MELDapp

MELDapp Multi-Chain DEX Aggregator Integration

MELD Finance Neobank Launch: Bank Accounts and Debit Cards

MELD Name Service

Gasless Transactions

MELD L1 Lending & Borrowing Mainnet

MELDapp Mobile for Android

Structured Products in MELDapp: DeFi Yield Strategies

Secret MELD Product 2

0 Milestones

MELD Team

LinkedIn

Ken Olling

Chief Astronaut

Ken is a serial entrepreneur working in the space between technology design and data, building new products to solve some of the biggest problems in the industry. With more than 20-years of experience in digital transformation, Ken has a proven track record of delivering innovative products and consumer experiences for companies around the globe, ranging from startups to Fortune 500. His past and present clients include Eltek, GE, HP, Harrods, Hydro, Toyota, Sony, Audi, Telenor, Total, Statoil, Visa and Ubisoft.

LinkedIn

Daniel Kung

CEO

LinkedIn

Pepe Blasco

CTO

Pepe specializes in the Blockchain and Big Data field as well as the architecture and coordination of the development of applications and services that use these technologies.

LinkedIn

Gediminas Kiveris

CIO

Gediminas is an Ex-quant, ex-trader, ex-treasurer with more than 10 years of experience in traditional investment banking and fintech sectors in London and Hong Kong. Recently joined MELD as Chief Investment Officer. Previously helped expand Revolut’s European business operationalise its first banking license as Head of Treasury. MSc from London School of Economics in Quantitative Finance.

LinkedIn

Anne Riana

General Counsel

LinkedIn

Lavinia Radu

HR Director

LinkedIn

Youssef Srondy

Special Projects Director

LinkedIn

Mehul Odedra

Senior Analyst

LinkedIn

Dastin Adamowski

Product Lead

LinkedIn

Tomislav Marčinković

Senior DevOps Engineer

Advisors

LinkedIn

Amit Pradhan

Strategy

A seasoned startup founder, investor and speaker, Amit creates, evangelizes, and invests in the future of responsible AI and decentralization. Amit serves as the co-founder and president of the Silicon Valley Blockchain Society (SVBS), the executive chairman at Zero.AI and Rainfall, and an investor at JetVentures, a cross-stage international fund.

LinkedIn

James Bowater

Partnerships

Outside of his advisory role at MELD, James is the Founder & Editor-at-large of Crypto AM, the Founder of London Blockchain Forum, the Global Ambassador for World Mobile, Advisor to Boson Protocol, Advisor to Cudos, Advisor to Fintech Legal Labs, Advisor and Global Ambassador for BEQUANT and Advisor to Sheesha.Finance.

LinkedIn

Christian Katz

Finance

Christian comes from 20+ years of experience within the banking & financial services sectors exercising roles as Vice President at J.P. Morgan, Managing Director at Goldman Sachs, CEO at the SIX Swiss Exchange and is a board member with multiple firms. Christian brings an array of critical insight and knowledge to MELD in conjunction with financial institutions and blockchain in cross-border markets. Christian enhances our reach to banking institutions allowing us to partner off with a greater array of fiat liquidity providers, further supporting the MELD protocol.

LinkedIn

Ali Rod Khadem

Business Development

Ali Rod has experience as a startup advisor, lawyer, investment banker, and professor/author. He held senior roles at Macquarie Group and Westport Innovations, and began his career at Idealab and DLA Piper. He holds a PhD from Harvard University and a JD from UC Berkeley. He’s lived in 8 countries and 4 continents, and has knowledge of 5 languages. He’s been responsible for project portfolios in multiple sectors across the Middle East, Asia, Africa, and Australia. Much of his experience involves international strategy and negotiations, especially in scenarios involving cultural or political sensitivities, as well as niche transactions such as Islamic finance and China related M&A.

LinkedIn

Andrius Minkevicius

Advisor

LinkedIn

Aurimas Bakas

Advisor

Experienced CXO-level executive and business developer within Fintech and software industries. A serial entrepreneur with a few exit success stories. A combination of the above formed a global mindset with corporate skills from multi-nationals and solid experience from growth companies.

LinkedIn

Carlos Rene

Technology

LinkedIn

Nehal Khushal

Advisor

Nehal is a Strategy and Financial Risk ex-banker, trusted advisor, and team leader with 15 years of experience in Corporate Banking across strategy, distressed debt, start-up/innovation environments, capital management, sector reviews, and portfolio credit risk mitigation.

Partners

Polygon Technology
Vent Finance
World Mobile
Netvrk
Kampay
Nervos
Ava Labs
CornucopiasGame
WingRiders
MinSwap
Zeeve.io
CardaStation

MELD.FI a New Type of Banking*

Get early access to your one account for Fiat & crypto.

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